The Hartford Insurance Group, Inc. (HIG) vs Pelagos Insurance Capital Limited (PLGO)

The Hartford Insurance Group, Inc. and Pelagos Insurance Capital Limited are both Insurance Diversified companies. The Hartford Insurance Group, Inc. is the larger, with a market value of $36.0B against $2.1B — 17.5× the size. Pelagos Insurance Capital Limited trades at the lower P/E: 6.1× against 8.7×. The Hartford Insurance Group, Inc. grew revenue faster over the last twelve months: 8.01% against −3.61%. Pelagos Insurance Capital Limited has the higher net margin (15.9% vs 14.8%) and the lower return on invested capital (13.4% vs 13.9%). Both pay a dividend; Pelagos Insurance Capital Limited yields more (2.38% vs 1.78%). Across the 21 metrics below, Pelagos Insurance Capital Limited leads on 14 and The Hartford Insurance Group, Inc. on 7.

Valuation

Metric HIG PLGO Insurance Diversified median
P/E 8.66 6.13 11.63
P/S 1.26 0.85 1.61
P/B 1.91 0.96 1.53
Price to free cash flow 6.29 3.38 6.29
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.55% 16.31% 7.48%
Free cash flow yield 15.90% 29.55% 15.90%

Profitability

Metric HIG PLGO Insurance Diversified median
Gross margin 46.80% 25.19% 53.26%
Operating margin 18.04% 20.68% 18.04%
Net margin 14.81% 15.94% 15.94%
Free cash flow margin 20.02% 25.07% 20.02%
Return on equity 23.81% 17.64% 12.08%
Return on assets 5.06% 2.97% 5.06%
Return on invested capital 13.89% 13.40% 9.01%

Growth

Metric HIG PLGO Insurance Diversified median
Revenue growth (TTM) 8.01% (3.61%) (1.11%)
EPS growth (last fiscal year) 28.70% 115.31% 28.70%
Revenue growth, 5-year CAGR 6.69% 26.60% 8.63%
Net income growth, 5-year CAGR 17.33% 12.17% 10.84%

Health

Metric HIG PLGO Insurance Diversified median
Debt to equity 0.22 0.32 0.22
Current ratio 0.24 0.65 0.48
Net debt to EBITDA 0.80 (1.33) 0.17

Dividend

Metric HIG PLGO Insurance Diversified median
Dividend yield 1.78% 2.38% 2.07%
Payout ratio 0.16 0.15 0.16

Size

Metric HIG PLGO Insurance Diversified median
Market cap 35.97b 2.05b 12.21b

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